Link Customer's Bank Account and Debit Card

Harbor supports two ways for your customers to fund on-ramp transfers directly from their financial accounts — linking a bank account via ACH Pull, or binding a debit card.

Link a Bank Account

Connect a U.S. bank account via a secure widget and initiate ACH Pull transfers to purchase stablecoin.

Link a Debit Card

Bind a debit card through a hosted binding page and use it as a funding source for on-ramp transfers.

Comparison

	Bank Account (ACH Pull)	Debit Card
Payment Method	`ACH_PULL`	`DEBIT_CARD`
Linking Flow	Bank connection widget	Card binding page
Source ID Prefix	`clbacc_`	`card_`
Transfer Parameter	`source_linked_bank_account_id`	`source_linked_card_id`
Transaction Limits	No per-transaction limit	Per-transaction, daily, weekly, monthly limits
Settlement Period	T+2 (Business Days)	T+1 (Business Day)

Settlement & Payment Lock Time

Transfers initiated from linked funding sources are subject to settlement periods and payment lock times. For detailed information on how this affects your funds availability, please refer to the Settlement & Payment Lock Time guide.

Prerequisites

Both methods require the following before a customer can link a funding source:

Enable the corresponding payment method (ACH_PULL or DEBIT_CARD) for your Application
Complete KYC verification for the customer (status: VERIFIED)
Complete bank compliance onboarding for the customer (CRB Bank Onboarding status: ONBOARDED)